MilikiRumah Achieves Breakthrough Growth for AI-Powered Mortgage Readiness Platform

MilikiRumah, the Indonesian PropTech company behind what it describes as the world’s first AI-powered credit intelligence and mortgage readiness SaaS platform, has announced a series of major performance milestones following rapid adoption by residential property developers across Indonesia.

The company revealed that its platform is now being used across 151 residential projects operated by 73 property developers nationwide, marking a significant expansion since launching its B2B2C SaaS solution in October 2025. Over the past six months, MilikiRumah recorded an average monthly usage growth of 117 per cent, with peak monthly growth reaching 362 per cent, while sales orders rose by an average of 48 per cent month-on-month and peaked at 159 per cent in a single month.

MilikiRumah also reported a 98 per cent customer retention rate among its developer partners, alongside the collection of more than 37,500 verified home-seeker data points used to strengthen its AI-driven recommendation and predictive analytics engine.

The company’s technology stack is anchored by two proprietary tools: VERO, an instant credit history verification engine capable of completing Bank Indonesia eligibility assessments in as little as five seconds, and TASYA, an AI-powered customer profiling and predictive affordability platform designed to assess mortgage readiness, repayment capacity, and suitable financing options for prospective homebuyers.

According to MilikiRumah, the platform is designed to solve one of Indonesia’s largest structural inefficiencies in residential property sales, where between 50 and 70 per cent of buyer leads fail mortgage eligibility checks and traditional credit assessment processes can take up to 14 days to complete.

“Our growth trajectory reflects a fundamental shift in how developers and financial institutions approach buyer qualification and conversion,” said Winston Lee, Co-Founder and Chief Executive Officer of MilikiRumah. “The adoption and retention we are seeing demonstrate not only strong product-market fit, but also the urgent demand for faster, data-driven mortgage readiness infrastructure across emerging markets.”

MilikiRumah says its AI platform enables developers to identify mortgage-ready buyers at the point of enquiry, reducing wasted marketing spend, lowering rejection rates, and accelerating the booking-to-closing cycle. Several developer partners reported booking increases of up to 50 per cent after integrating the platform into their sales processes.

Prasma Anindita, Director of Technology at MilikiRumah, said the company’s growing data infrastructure is becoming a key competitive advantage. “By combining AI-driven credit intelligence with real-time data integration, we are enabling faster and more accurate decision-making for both developers and aspiring homeowners,” she said. “As our dataset expands, the predictive capability of the platform becomes stronger, reinforcing both scalability and long-term defensibility.”

Beyond SaaS monetisation, MilikiRumah is positioning itself to tap into Indonesia’s large underbanked population and growing housing shortage. Industry estimates cited by the company suggest that up to 97 million Indonesian adults remain unbanked, while the country’s housing backlog has climbed to approximately 15 million units.

To address this gap, the company has also introduced an AI-powered Rent-to-Own programme aimed at helping consumers who do not yet qualify for conventional mortgages. The initiative is designed to guide users through a structured 12-month pathway focused on improving payment behaviour, financial literacy, and mortgage eligibility.

As adoption accelerates, MilikiRumah says it plans to expand beyond Indonesia into broader East Asian markets, positioning itself as a leading AI-driven infrastructure provider for property transaction qualification and mortgage readiness in emerging economies.